The start of the year often brings with it a raft of new gym membership sign-ups as we try to shift those extra pounds gained over the festive period.

I am a shared ownership resident in a London block of flats who recently tried to staircase my mortgage. However, the lender was worried my balcony might be flammable. Now I can't remortgage.

I moved into a property in October and found it had a first generation smart meter installed. When I asked about having it removed, I was told it would cost £150. Can I not have it removed for free?

I rented out my late mother's house. I chose Howards Estate Agents to find a suitable tenant in full time employment, but it later became apparent they were not and defaulted on the rent.

I work 10 days a month on a freelance basis so I invoice the agency at the end of the month. I'm taking a two week holiday in February. Should I reduce my invoice or just bill as normal?

My husband and I booked and paid for a villa for a week in Corfu, and invited our four daughters and families to join us at our expense. The villa cost £2,391. We paid £96 for insurance with Get Going.

If you are older than about 30, you have probably never heard of Klarna. But for millennials, it is one of those firms, such as Google and Hoover, that is so widely used it has become a verb.

We were put over the three hour delay time which entitles us to compensation after we landed at Amsterdam, are we still due a payout or is it based on when the plane touches down?

Someone has fraudulently opened an account with PayPal using my name. PayPal withdrew £450 from my Santander account. It refunded this, but took it back the following week.

My mother moved from one flat to another in mid-December. Her broadband stopped working after the move and BT have not fixed it even though she needs it as her heart monitor requires wi-fi.

One couple turned up at Heathrow Airport for their flight to Pittsburgh, Pennsylvania via Toronto - but were refused boarding for not having a transit visa for Canada.

I booked a hotel only reservation through Love Holidays two weeks ago and agreed a price of £1,080 but they have now said it is actually £2,080 and I have to pay. What can I do?

Parking tickets are the bane of every driver's life. Many of us who drive have fallen victim to them at some time or other - and often they are fair. But at times they are downright wrong.

I ordered a pair of £170 trainers from JD Sports to be delivered by Hermes. I hadn't received them so I contacted Hermes which said they had lost the shoes but I still haven't got them. What can I do?

I made a claim with Legal and General five months ago after my fridge-freezer broke but it still hasn't paid out for the problem or made any repairs. What can I do to get this sorted?

In January 2018, my son Michael paid a deposit on an off-plan new build apartment in Smithfield Square, Birmingham. Last year, we discovered that there was still no planning permission.

My father, 92, was admitted to a dementia care home last September. I have Lasting Power of Attorney. I rang TalkTalk to cancel his account but they refused because I wasn't the account holder.

I closed my company in March last year. Final corporation tax due stood at £2,232 and I have tried repeatedly to pay this, but now the company is closed, the Revenue just does not accept it.

The recent stock market falls have been the worst since the financial crisis and, just as then, we are in new and sobering territory.

I took my mother to a TSB branch to open an account because she has been told she can no longer receive her state pension via the Post Office. We took several documents showing her address.

I received my renewal quote from LV= and it was too much so I decided to switch to ABC. However, I found out ABC is owned by LV=. How can the prices be so different?

Six years ago due to a situation which led to an untenable dispute with an aggressive neighbour my husband and I became what is broadly termed as accidental landlords.

I transferred some money to someone who was doing some work in my garden and unknowingly and rather stupidly managed to get the account number wrong.

P.S. writes: I am secretary of a not-for-profit charity. ScottishPower for some reason reduced the utility payments for our premises from £748 a month to just £1.

I purchased a Jack Wills gift card as a present for my boss. However, when he went to use it in January this year he was told that there was no value on the card. Why is this?

I have booked a family ski holiday to France in April and we have every intention of still going, despite coronavirus. What do I need to check for to see if I am covered if the trip gets cancelled?

I opened a Lifetime Isa (Lisa) with Skipton on June 27, 2017. I recently tried to pay into it, but discovered Skipton had closed it on September 16 last year.

Our house is worth £600,000 but our £500,000 investments include £100,000 we were told would be free of IHT. How would things be worked out?

The UK stock market alone has fallen in value by 30 per cent since the start of the year. But if you hold these trusts for troubled times then things should look better.

I have an annual train season ticket which cost just over £5,000. However, I now have to work from home until June 2020. Can I get a refund or delay the ticket until I am back to work?

I was contacted by Xtraderfx and told that it would transfer my frozen credit balance of £680 to my NatWest credit card. I agreed and gave my card details.

I am trying to defer my holiday with Tui to Italy until next year when the coronavirus outbreak will hopefully be over - but Tui have said if I do that, I will have to pay a £100 fee.

Not even the somewhat conservative portfolio underpinning investment trust North American Income has protected shareholders from the sharp market correction.

I moved flat last weekend, thankfully just before the Government lockdown. Will I still be able to get my deposit back from my old flat, once I leave, within 10 days?

I fell for a sales pitch from Easytrade.biz, and now am unable to withdraw any money. I have filled in several withdrawal forms, but it never happenes.

We have a chunk of cash we want to tuck away for up to five years. I have seen two bonds advertised through Google. One is named Chelsea Bonds, the other is Infinity Bonds.

For my husband's 50th birthday I booked an apartment in Liverpool via Booking.com. He wanted to see all The Beatles memorabilia and we had tickets to see the tribute band.

I need to get a TV licence refund but online it says that it isn't possible to request a refund at the moment due to coronavirus. Can I just cancel my direct debit with the bank instead?

Can your employer force you to take your eight outstanding days of holiday amid the lockdown? Sarah Bridge talks to the experts to get the answers.

Despite my repeated calls and a letter to Metro Bank's chief executive, it was almost a month before it wrote back asking for proof of address and details of my travel for the past 6 months.

I live in a small, one bed, second story flat. As the weather is getting hotter, so is my flat. What are the best methods, aside from opening windows, to cooling it down?

My employer has told me to take a 20 per cent pay cut due to the impact coronavirus is having on the business, yet I still have to work full-time. Is this allowed and what can I do if I'm not happy?

I wanted to know if it would be possible for companies to rotate the staff they have on furlough so we can all have a chance of earning our full salary - at least for a while?

My account with Scottish Power has been under review by the energy supplier for more than 18 months, as it insists we owe more than £7,000. The company claims we have not paid since 2013

My son has been laid off due to the coronavirus, so he contacted Suzuki Finance to arrange a one-month payment holiday. It agreed to this, but said it will charge him £51 for this month.

In our latest Money Diaries, we speak to a 33 year-old woman from the South West, who is a teacher with significant savings - but still wants to be more financially prepared for the future.

I joined ScottishPower for my electricity in March 2017, paying £190 a month. In March last year, they asked for weekly readings and said I was not paying enough.

I run three rural pubs which are all closed and may not open again. I cannot afford to keep up my payments. What can I do?

I work for a recruitment agency which places me on temporary contracts. They cannot find me a new assignment and they are refusing to furlough me so I now have no income. What can I do?

The homewares website Wayfair emailed to inform me my account details, including had been changed. I tried to check my account but my password had been changed.